10 Best Budget Filmmaking Microphones in 2020 / Best Mics for Filmmaking

Posted by Grant Patten on Sep 1, 2020 7:37:00 AM

The 10 Best Budget Filmmaking Microphones in 2020

In addition to our blog post about the best budget cameras for filmmaking, we thought it would be useful to provide a list on the top 10 affordable filmmaking microphones. We’ll discuss (in no particular order):

  1. Sennheiser XSW-D / Best lav mic for filmmaking
  2. RØDE VideoMic NTG / Best shotgun mic for filmmaking
  3. Sennheiser MKE / Best camcorder shotgun mic
  4. TAKSTAR SGC-598 Interview Microphone / Best cheap interview microphone
  5. Shure VP83F / Best super cardioid mic
  6. Zoom H4n Pro / Best portable digital recorder
  7. TASCAM DR-05V2 / Best portable digital recorder
  8. AZDEN SMX-30
  9. Audio-Technica AT875R
  10. VidPro XM-55

 

1. Sennheiser XSW-D Portable Lavalier Set / Best lav mic for filmmaking

Sennheiser XSW-D Portable Lavalier

Especially if you’re filming interviews, a lavalier (lav) mic will always sound better than any on-board camera microphone. The lav kit that Front Row uses for all its interview videos is the Sennheiser XSW-D Portable Lavalier Set [Amazon Link].

This Sennheiser lav mic records high-quality audio with more or less perfect levels straight out of the box, so there should be little need for any audio work in post as long as you recorded cleanly (i.e., minimal background noise).

For proof of the clear, crisp audio from this lav mic, listen to one of Front Row’s video interviews:


Note
: You can buy some medical tape [Amazon Link] and tape it to the talent's chest if you need the mic to be concealed.

 

2. RØDE VideoMic NTG / Best shotgun mic for filmmaking

RØDE VideoMic NTG

Even if you’re using a lav mic or series of lavs on talent, you should also record with an on-camera mic to have as a backup. A good on-camera shotgun mic is the RØDE VideoMic NTG [Amazon Link].

This mic has a digital switcher, providing access to a high-pass filter, -20dB pad, high frequency boost, and safety channel. The mic pairs well with DSLRs, compact cameras, and even smartphones – either on-camera, as a boom mic, or on a pistol grip.

 

3. Sennheiser MKE

Sennheiser MKE 600

An excellent shotgun mic in the Sennheiser line is the MKE [Amazon Link], which features a low-cut filter for minimizing wind noise and P48 phantom power.

This mic is great at isolating background noise; you will only hear the sound of your subject(s). Comes with a hot shoe mount.

 

TAKSTAR SGC-5984. TAKSTAR SGC-598 Interview Microphone

For interviews, a more affordable option than the above-mentioned mics would be the TAKSTAR SGC-598 Interview Microphone [Amazon Link]. Although quite inexpensive, it is still a solid mic with above average reviews on Amazon.

This mic has a mini-jack that you can plug into your camera and the sound quality is not bad at all.

 

5. Shure VP83F

Shure VP83F

Another mic with solid reviews on Amazon is the Shure VP83F [Amazon Link].

This directional super cardioid mic rejects unwanted off-axis audio while clearly capturing the intended sound source.

The VP83F is portable and durable, as it comes in a compact, metallic shotgun design. This makes it easier to carry between shoots.

 

Zoom H4n Pro6. Zoom H4n Pro

The Zoom H4n Pro Handy Recorder [Amazon Link] provides four-track audio recording that is perfect for filmmaking. This recorder includes high performance, low-noise mic preamps and has XLR/TRS locking connectors.

The rubberized form factor of this recorder makes it durable and ideal for fieldwork and potentially harsh environments. The recorder has a large, bright display backlit by LCD.

 

TASCAM DR-05V27. TASCAM DR-05V2 Portable Digital Recorder

Another solid portable digital recorder is the TASCAM DR-05V2 [Amazon Link]. This recorder has built-in omni-directional microphones and up to 96kHz/24-bit Broadcast WAV film recording (provides better than CD quality).

Other notable features of this recorder include variable speed playback, a built-in speaker, a microSD card slot, and 1/8" headphone/line output.

 

AZDEN SMX-308. AZDEN SMX-30 Stereo/Mono Switchable Video Microphone

The Azden SMX-30 [Amazon Link] is a mic that offers stereo and mono recording modes with -10db, 0db, +20db level adjustments.

The stereo mic is positioned at the top and consists of two cardioid polar patterns spaced apart at a 120° angle. The mono mic uses a super cardioid pattern to focus on sound in front of the camera.

A furry windshield cover is included with the mic.

 

Audio-Technica AT875R9. Audio-Technica AT875R Line + Gradient Condenser Microphone

The Audio-Technica AT875R [Amazon Link] is designed for video production and broadcast (ENG/EFP) audio acquisition. It has a 3-pin XLR connector for input.

This is a short shotgun mic (under 7"), so it can easily mount on most digital cameras.

Note: this mic requires a phantom power source.

 

10. VidPro XM-55 Professional Video and Broadcast Microphone Kit

VidPro XM-55

This lesser-known but underrated brand, VidPro, manufactures a number of solid mics for a very low cost. Their XM-55 Professional Video and Broadcast Microphone Kit [Amazon Link] has decent reviews on Amazon.

This mic kit includes a wind muff, windshield, cushioned handgrip, and long & short on-camera audio cables with multiple connectors, including XLR.

 

Get Film Insurance | Film Production Insurance | Microphone Insurance | Sound Recordist Insurance

If you’re looking at microphones for filmmaking/videography, chances are that you’re a filmmaker or sound recordist, or planning to be one. And if you’re a sound recordist, you’ll want to consider insuring your valuable sound/audio gear and film productions. Consider Front Row Insurance:

  • DigiGear Insurance (Canada): custom equipment insurance for owners of sound, camera and/or lighting gear working in the film/TV industry. Also available online. Quotes in 2 minutes. Policy available in 5 minutes. Shop from your phone.
  • Short-Term Film Insurance (Canada): provides coverage for up to 15 consecutive days of shooting, with no minimum premium. The coverage is available online 24/7. Covers rented gear, rented locations, rented props, sets, wardrobes and more. Quotes are free.

US-based filmmakers can view Front Row’s US policies here.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row has 51 staff in 8 offices that have a combined 530+ years of experience serving the film industry. Front Row is the largest film insurance broker in Canada. Front Row works hard to provide insurance protection for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible.

Related posts:

THE BEST BUDGET CAMERAS FOR FILMMAKING

THE BEST VLOGGING/YOUTUBE CAMERAS

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon. This post may contain affiliate links. There is no additional cost to you.

Topics: Short Film Insurance, DigiGear, Best of

The 10 Best Filmmaking Books | Top Books on Filmmaking / Videography

Posted by Grant Patten on Aug 24, 2020 6:55:14 AM

The 10 Best Filmmaking Books | Top Books on Filmmaking / Videography

Let’s review Front Row’s top 10 books on filmmaking. We’ll discuss:

(in no particular order)

  1. In the Blink of an Eye
  2. Rebel without a Crew
  3. On Directing Film
  4. Making Movies
  5. Directing Actors
  6. How to Shoot Video That Doesn't Suck
  7. Cinematography: Theory and Practice
  8. Master Shots
  9. The Filmmaker's Handbook
  10. Save the Cat!

 

In the Blink of an Eye1. In the Blink of an Eye | best books on film editing

In the Blink of an Eye [Amazon Link] by celebrated film editor Walter Murch is certainly one of the most well-known and well-respected books on film editing. And even if you’re not an editor yourself, the better you understand editing, the better a filmmaker you’ll be, overall.

It is a slim volume of under 150 pages. The book discusses the aesthetics and practical concerns of cutting film; many of these concepts can also be applied to digital editing.

One user’s comment (Jake) on Goodreads: “I'm glad to report that the book is refreshingly non-dogmatic, optimistic even, about the way we will interface with cinema in years to come.”

 

2. Rebel Without a Crew

Rebel Without a Crew

While directing El Mariachi in the early ‘90s, Robert Rodriguez kept a diary that would become the basis of this book, Rebel Without a Crew [Amazon Link].

The book is funny and informative for independent filmmakers who are trying to make a movie as cheaply as possible. Although some of the film-focused techniques Rodriguez used many seem a bit dated for today’s digital filmmakers, there is still insightful information here on how Rodriguez handled pre-production, production and post-production for El Mariachi.

 

3. On Directing Film

On Directing Film, Mamet

David Mamet is very much one of those love-him-or-hate-him type of writer/directors, but there is no denying that he is a thoughtful individual and all filmmakers can likely learn a thing or two from him. This On Directing Film [Amazon Link] book was published around the same time that his underrated film Homicide (1991) was released.

This slim volume (128 pages) includes a chapter on one of the thorniest questions in filmmaking, “where do you put the camera?”

 

4. Making Movies

Making Movies, Lumet

Sidney Lumet (Dog Day Afternoon, 12 Angry Men, Serpico, Network) is generally regarded to have been a highly competent film director and his Making Movies [Amazon Link] book is part-memoir, part-instructional manual on how to direct movies.

The book includes chapters on screenwriting, directorial style, directing actors, art direction, editing, music, sound mixing, and more.

 

5. Directing Actors

Directing Actors by Judith Weston

Directing Actors [Amazon Link] by Judith Weston is a well-reviewed book on both Amazon and Goodreads. Weston is a renowned acting consultant to directors of film & TV.

This substantial book (300+ pages) includes chapters on the actor-director relationship, listening and talking, actors’ choices, script analysis, casting, rehearsal, and more.

 

6. How to Shoot Video That Doesn't Suck

HOW TO SHOOT VIDEO THAT DOESN'T SUCK

A more modern entry compared to the aforementioned books, and focused more on videography, How to Shoot Video That Doesn't Suck [Amazon Link], published in 2011, has received solid reviews across both Amazon and Goodreads.

Sections include “Think like a director”, “Preparation – The secret of the pros”, “Setting the stage”, “How to shoot video that doesn’t suck”, “Special projects”, “After the shoot”, and “Wrapping up the project”. 

One user’s review (DG) on Amazon: “Excellent tips that get right to the point. I got a lot out of this book to apply to short video interviews, etc.”

 

7. Cinematography: Theory and Practice

Cinematography: Theory and Practice

Blain Brown is a cinematographer, director and writer based in LA. His book Cinematography: Theory and Practice [Amazon Link] has become one of the most well-regarded books on cinematography.

The book includes sections on visual language, coverage & continuity, color, cameras & sensors, measurement, exposure, image control, lighting, camera movement, data management, and more.

This book covers the artistic side as well as the deeper technical elements of cinematography.

 

8. Master Shots

Master Shots book

Master Shots [Amazon Link] is a three-volume series about filmmaking best practices. This Volume 1 is about advanced camera techniques.

Volume 1 features best practices for shooting fight scenes, chase scenes, dramatic shift, dialogue scenes, sex scenes, and more. Volume 2 [Amazon Link] is on shooting dialogue scenes and Volume 3 [Amazon Link] covers camera setups.

These books include many clear pictures and references to help filmmakers understand the concepts.

 

9. The Filmmaker's Handbook

The Filmmaker's Handbook

The Filmmaker's Handbook: A Comprehensive Guide for the Digital Age [Amazon Link] has received positive reviews across Amazon and Goodreads. At almost 900 pages, it certainly is comprehensive, as its title claims. The author, Steven Ascher, is a Harvard graduate and documentary filmmaker.

The book has chapters on developing the project, digital systems, camcorders, film cameras, lenses, recording systems, lighting, editing, sound mixing, distributing, & more.

 

10. Save the Cat!

Save the Cat!

Save the Cat! [Amazon Link] is a book on screenwriting. The book’s late author, Blake Snyder, was an American screenwriter, consultant, author and educator based in LA.

The book includes helpful advice for both novice and professional screenwriters to improve their ideas, pitches, story structure, dialogue, revisions, and more. At the end, it has a helpful glossary of common screenwriting terms used in Hollywood.

User comment (Yanick) on Amazon: “Very interesting, not theory obsessive; the goal of the book is to allow you to build a Hollywood-minded script.”

 

Get Film Insurance | Film Production Insurance | Filmmaking Insurance

If you’re reading books about filmmaking, chances are that you’re a filmmaker or planning to be one. And if you’re a filmmaker, you’ll want to consider insuring your valuable filmmaking gear and film productions. Consider Front Row Insurance:

  • Short-Term Film Insurance (Canada): provides coverage for up to 15 consecutive days of shooting, with no minimum premium. The coverage is available online 24/7. Covers rented gear, rented locations, rented props, sets, wardrobes, and more. Quotes are free.
  • DigiGear Insurance (Canada): custom equipment insurance for owners of: cameras, sound and lighting gear working in the film/TV industry. Also available online. Quotes in 2 minutes. Policy available in 5 minutes. Shop from your phone.

US-based filmmakers can view Front Row’s US policies here.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row has 51 staff in 8 offices that have a combined 530+ years of experience serving the film industry. Front Row is the largest film insurance broker in Canada. Front Row works hard to provide insurance protection for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible.

Related posts:

10 BEST DOCUMENTARIES ABOUT FILMMAKING

THE BEST SOFTWARE FOR FILMMAKERS

THE 10 BEST HOW-TO PHOTOGRAPHY BOOKS

THE 20 BEST PODCASTS ABOUT FILMMAKING

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon. This post may contain affiliate links. There is no additional cost to you.

Topics: Short Film Insurance, DigiGear, Best of

Cleaning & Sanitization with Safety Monitors, Foggers and UV-C Light

Posted by Michelle Briggs on Aug 17, 2020 7:23:55 AM

CLEANING & SANITIZATION WITH SAFETY MONITORS, FOGGERS AND UV-C LIGHT

Fogger being sprayedSource: Royalty-free stock photo ID: 1764454877 | Shutterstock

Guest blog post by Fusion UV-Clean

UV-Clean is a specialized division of Fusion Cine, a national sales and rentals company supplying high-end cinema and broadcast equipment (i.e., ARRI, Angénieux, Fujifilm, RED, Sony, Zeiss, etc.) to the film and television sector.

We combined equipment sanitization processes with Canadian and international health and safety guidelines to create safe and efficient sanitization workflows to help film & TV productions get back to work in this “new normal.”

In order to serve this growing need for thorough sanitization, we have broadened our scope of service beyond film & television to customers in corporate, retail, industrial, government, education, and houses of worship.

What can Fusion UV-Clean do for you?

Fusion UV-Clean provides, deploys, and integrates medical grade cleaning and sanitization products that create an additional line of health and safety to even the most sensitive of work and study locations.

Available products and packages include:

  • Facial recognition monitors to control both access and temperature detection
  • UV-C germicidal irradiation technology
  • Fogging with non-corrosive agents that cause no harm to the environment and clean the air and sanitize surfaces to ensure an environment free of germs

What Fusion UV-Clean offers:

We offer germicidal solutions, product bundles and workflows that will save you time, money and help provide worksite safety tools that meet and exceed WHO and CDC guidelines.

Read on to find out what solution is best for your specific needs.

Facial recognition Access Control & Temperature detection

FACT Health and Safety MonitorAvailable in 7” and 8” monitors (with the 8” being waterproof), the FACT Health and Safety Monitor system allows businesses to monitor a person’s temperature and control who has been approved to enter a facility based on registered face recognition.

Each device has a no-contact automatic body temperature detector with a measurement range between 30-45 degrees Celsius.

The unique facial recognition algorithm allows you to register and record pre-uploaded temperature information for crew and/or staff.

The product can also be integrated to control access to doors and/or gates where individuals have been approved to go (if their temperature is within a normal range.)

Key FACT Health and Safety Monitor Benefits

  • Safety control over facility
  • Straightforward cataloguing of individuals
  • Affordable

Fogging – what is it?

Fogging is an efficient way to disinfect both indoor and outdoor objects, surfaces, and areas to eliminate the growth of harmful bacteria.

Foggers create a small particle, between 0-50 microns, whereas traditional squeeze or pressure sprayers have a particle size of around 250 microns.

When you sanitize with a fogger, you are forming a canopy that moves through the air and slowly descends below surfaces and objects. Because the particles are so small, many of them are picked up by the airflow within a room, allowing the particles to travel further, ultimately carrying the disinfect solution to areas that are often hard to reach.

These particles not only disinfect the surfaces they touch or land on but also disinfect the air within the spray area.

Key Fogging Benefits

  • Disinfecting with a fogger eliminates 99.99% of bacteria, mold and mildew
  • Small particles reach areas that may not be cleaned with traditional techniques
  • Environmentally friendly 
  • Cost effective
  • Non-corrosive
  • Little to no waste implications
  • Effective and long lasting
  • Requires little effort from user

Fogging Safety

Fogging safety is primarily about the disinfectant solution that is used. UV-Clean has tested both water-based ammonium chloride and water-based sodium chloride and both have been proven safe to spray without the use of any personal protective equipment (PPE).

Fogging machines are safe to use in both indoor and outdoor environments. Again, no PPE is required, but some operators may request ear protection because many of the machines are loud when turned on.

UV-C Light – How does it work?

When UV-C light is shined on bacteria and other pathogens, it can destroy their ability to multiply, ultimately killing them.

The effectiveness of UV-C disinfection can vary based on a few factors, including:

  • Length of exposure to bacteria
  • Intensity of the radiation
  • Microorganism’s resistance to the radiation

Length of exposure is based on the size of the area or surface that you wish to disinfect. Larger areas require more radiation and longer exposure times to ensure all objects and surfaces are hit with the light. Often, objects within the area will need to be turned or placed upside down to ensure all areas have been hit with the light and are properly disinfected.

It is ideal to deliver multiple passes of light exposure in order to ensure that bacteria with a bit more resistance will be destroyed.

The object or surface that requires disinfecting must be exposed to direct light from the UV-C fixture or bulb to disinfect properly. Anything blocking the light – including shadows – will lessen the intensity of the light.

Key UV-C Light Benefits

  • No harmful chemicals
  • Low maintenance
  • Environmentally friendly
  • Extremely effective
  • Kills pathogens without immunity
  • Medical grade technology
  • Safe on electronics
  • Has been used to clean water and air for 40+ years

UV-C Light Safety

UV-C light should always be handled with care, as prolonged direct exposure can be harmful to skin and eyes. Wearing proper protective eyewear and clothing that does not expose any skin is highly recommended to ensure the safety of the operator.

 

About: Fusion UV-Clean offers health & safety and germicidal solutions and workflows that save you time and money and provide worksite safety tools that meet and exceed WHO and CDC guidelines. Your team and assets’ health and safety are our priority.

Related:

PRACTICE SAFE SETS

SETTEST

Topics: COVID-19

The Best Filmmaking Schools in Canada / Top Film Schools in Canada

Posted by Grant Patten on Aug 12, 2020 6:58:22 AM

THE BEST FILMMAKING SCHOOLS IN CANADA / TOP FILM SCHOOLS IN CANADA

Let’s review some of the best filmmaking schools in Canada. We’ll discuss (in no particular order):


Ryerson University’s School of Image Arts / film schools in Toronto / canada film school

RYERSON UNIVERSITY’S SCHOOL OF IMAGE ARTS

Ryerson’s Film Studies 4-year BFA (bachelor of fine arts) program is a mix of theory and applied work, with a bit more emphasis on the applied. Students will take the standard film theory courses in the first few years of the program, with the final few years more focused on the creation of short film/video projects, namely the students’ “thesis film projects” in fourth year.

The program includes courses on cinematography, directing, design composition, screenwriting, and the business of film. The school has a “film cage” where film/video equipment can be borrowed by students working on school projects, but try to book early as the equipment can run out fast.

The faculty is decent, although some professors have a lot more relevant industry experience than others do. Notable alumni include filmmakers Jeremy Podeswa and Bruce McDonald.

Toronto Film School / film schools in Toronto

The Toronto Film School offers diplomas. It has an excellent reputation as a solid applied arts institution. The majority of the teachers comprising the school’s faculty are known for having film industry experience.

Courses cover editing, cinematography, audio production, camera and set procedures, screenwriting, budgeting and scheduling, and more. Following the completion of the film production diploma, students have the opportunity to apply for a work placement.

The school has four campuses throughout the GTA.

York University School of the Arts, Media, Performance & Design / film schools in Toronto

York University's Film Department houses Canada's oldest film school. The university offers a 4-year BFA (bachelor of fine arts) in Production, with a focus on filmmaking.

Courses include Intro to Filmmaking, Film Art, Editing Techniques, Production Planning and Management, among others.

Notable alumni include producer Niv Fichman and cinematographer Paul Sarossy.

Sheridan College / film schools in Toronto

Sheridan's Honours Bachelor of Film and Television (BFTV) 4-year degree includes a work placement to prepare you for a career in film and television.

Courses include History of International Cinema, Introduction to Directing, Transmedia Storytelling, Business of Film and Television, Editing, Cinematography, and more.

Replacing the college’s three-year Media Arts advanced diploma program, Sheridan's BFTV degree offers a combination of hands-on, real-world experience backed by theoretical learning.

Concordia Film School / film schools in Montreal / film schools in Quebec

Concordia University’s Mel Hoppenheim School of Cinema is certainly Quebec’s most well-known and respected film school. It was established in 1976.

This Montreal-based school accepts about 200 students a year for study in the fields of animation, film production or film studies. Each track confers a separate BFA degree.

Notable alumni include animation pioneer Steven Woloshen and director Gary Burns.

Vancouver Film School / film schools in Vancouver

Vancouver Film School

Certainly, the most well-known film school in Western Canada would be Vancouver Film School (VFS). The school offers 12-month diplomas and it has “pathway programs” to bachelor’s degrees with universities, including Capilano and Wilfrid Laurier.

Courses include acting, film production, makeup design, sound design and writing. Specializations are available in directing, cinematography, producing, post-production, and more.

Notable alumni include directors Neill Blomkamp and Kevin Smith (dropped out).

Simon Fraser U / film schools in Vancouver

Simon Fraser University has a 4-year BFA film program in their School for the Contemporary Arts. The program is interdisciplinary and – like Ryerson – includes a blend of theory and applied work. In every year of the program, students make their own films, while also taking academic film studies courses.

SFU’s film program offers three possible options for study:

  • Major in Film (BFA)
  • Extended Minor in Film
  • Minor in Film and Video Studies

Dalhousie U / film schools in Atlantic Canada

Dalhousie University

Dalhousie has a BA in Cinema and Media Studies. The program is more academic in nature, with a focus on theory, the analysis of visual language, film history, etc.

However, the program’s associated School of Performing Arts enables enrolled students to engage in “experiential learning for academic credit through placement with an established organization in the field of cinema and media.”

University of Manitoba / film schools in Winnipeg

The University of Manitoba offers two film studies degree options:

  • B.A.  Bachelor of Arts General, Major in Film Studies - 3 years
  • B.A. (Adv.) Bachelor of Arts (Advanced) in Film Studies - 4 years

Faculty teach a mix of courses on topics such as film aesthetics, video gaming, international cinema and filmmaking. U of M students have access to the Media Lab, a post-production space, as well as film production equipment, including digital cameras, sound recording gear, and more.

Red Deer College / film schools in Alberta

A Prairie film program is the one at Red Deer College (RDC) in Alberta – they offer a Bachelor of Applied Arts in Film. RDC has 20+ years of experience offering programming in film production.

The college has its own 100-seat cinema, dedicated sound stage, and equipment facilities.

The practicum in the fourth year of the program involves gaining industry-related work experience.

Get Film School Insurance | Film School Short Film Project Insurance | Short-Term Film Production Insurance

If you are in film school or thinking about going, you’ll almost inevitably end up working on short film/video projects that will require insurance. Consider Front Row’s online policies.

Front Row’s Short Shoot insurance policy is a good option for insuring these short-term film school projects. Coverage for up to 15 consecutive days of filming. You can get a quote in two minutes and purchase a policy 100% online.

Front Row’s DigiGear insurance policy is a good option for insuring your filmmaking gear, including your film camera(s). You can get a quote and purchase a policy online in five minutes.

 

About: Front Row Insurance Brokers Inc. is an independent film insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment of claims.

Related posts:

The best filmmaking schools in the USA

The best photography schools in Canada

Film school insurance

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Citations:

Ryerson image: Royalty-free stock photo ID: 789206398, Shutterstock
VFS image: Royalty-free stock photo ID: 1547800220, Shutterstock
Dalhousie image: Royalty-free stock photo ID: 1401144638, Shutterstock

Topics: Short Film Insurance, DigiGear, film school insurance, Best of

Top Filmmaking Schools in the USA / Best Filmmaking Schools in the US

Posted by Alyson Forster on Aug 12, 2020 6:57:58 AM

Top Filmmaking Schools in the USA / Best Filmmaking Schools in the US

From Los Angeles to New York, check out Front Row Insurance’s round-up of the top filmmaking schools in the US!

In no particular order:

 

1. University of Southern California / Los Angeles film schools

University of Southern California USC

Alumnus: George Lucas (Star Wars Franchise, Lucas Films, Indiana Jones)

Acceptance Rate: 3%

Arguably the best film school to attend, the USC School of Cinematic Arts is a prestigious school located in Los Angeles. This school’s facilities include modern soundstages, animation facilities, post-production suites, mixing theatres, and all digital classrooms (with the help of a $10M donation from George Lucas in 2018).

2. New York University TISCH School of Arts / New York film schools


Alumnus: Martin Scorsese (Goodfellas, Taxi Driver, The Wolf of Wall Street)

Acceptance Rate: 20%

New York University TISCH School of Arts is located in New York City. According to NYU, as of 2017, the school had more than 25,000 alumni working in the arts and related professions, and has more alumni on Broadway than any other school for the performing arts in the US. In 2017 alone, six members of the Tisch alumni community were nominated for an Oscar.

3. California Institute of the Arts


Alumnus: Tim Burton (Nightmare Before Christmas, Beetlejuice, Edward Scissorhands)

Acceptance Rate: 24.1%

CalArts was originally formed in 1961 as a merger of the Chouinard Art Institute (founded 1921) and the Los Angeles Conservatory of Music (founded 1883). In 1929, when Disney had no money, Madame Chouinard agreed to train her first animators on a pay-later basis.

4. Emerson College


Alumnus: Henry Winkler (Happy Days series, Arrested Development series)

Acceptance Rate: 46.1%

Emerson College is located in Boston, Massachusetts. It is a private college that offers a four week exchange program with FAMU, one of Europe’s most prestigious film schools. They also offer a program where you may spend a semester in Los Angeles where Emerson has exclusive internship opportunities with Hollywood producers, networks, and studios.

5. University of Texas at Austin


Alumnus: Kyle Davies (President of Distribution, Paramount Pictures)

Acceptance Rate: 25%

University of Texas at Austin offers graduate programs for film and media production, screenwriting, as well as undergraduate courses focusing on radio, television, and film. They also have the largest green screen ever made outside of Hollywood.

6. Rhode Island School of Design

Rhode Island School of Design

Alumnus: David Byrne (rock group Talking Heads)

Acceptance Rate: 31.9%

The Rhode Island School of Design is a visual arts college with the smallest class size in the US according to RISD, with a maximum of 14 students per class. Some of their degree programs include graphic design, illustration, drawing, and photography.

7. University of Colorado Boulder


Alumnus: Robert Redford (Butch Cassidy and The Sundance Kid, Brubaker)

Acceptance Rate: 79.8%

The course curriculum at this university includes basics such as directing, animation, and digital cinematography. This university is an active participant in its surrounding film festivals such as Sundance, and Ann Arbor.

Like NYU and Emerson, they also have a study-abroad program in Paris and Rome.

8. Ringling College of Art and Design


Alumnus: Jessica Sances Torres (computer animation for films including “Toy Story 3” and “Incredibles 2”)

Acceptance Rate: 63.9%

Ringling College of Art and Design is located in Sarasota, Florida. In 2019, Ringling became the first art school to offer a BFA in virtual reality development. They also provide on-the-job training and offer the first academic and commercial soundstage and post-production facility of its kind in the state of Florida.

9. Stanford University

Stanford University

Alumnus: Jamie Meltzer (“True Conviction” a documentary winner at Tribeca Film Festival)

Acceptance Rate: 0.5%

Stanford’s MFA Film Program is the most difficult to get into, as only 8 applicants a year are selected. This program specializes in documentary filmmaking. By the end of the two-year residency, grad students each make 15 to 20 minute documentaries for their final thesis project. Some are even shown at SF DocFest, an annual film festival specifically for documentaries.

10. University of California Los Angeles


Alumnus: Francis Ford Coppola (Apocalypse Now)

Acceptance Rate: 18%

UCLA’s school of theater, film and television has one of the longest lists of accomplished alumni, including Francis Ford Coppola, Mariska Hargitay, Jim Morrison, James Franco, and Ben Stiller. They are also one of the only arts programs that offer special scholarships for female students from the Arab World.

Get Film School Insurance USA | US Film School Short Film Project Insurance | Short-Term Film Production Insurance USA

If you’re in film school or thinking about going, you’ll almost inevitably end up working on short film/video projects that will require insurance. Consider Front Row’s policies.

Front Row’s Short Shoot insurance policy (US form) is a good option for insuring these short-term film school projects. Coverage for up to 15 consecutive days of filming.

Front Row’s Owned Equipment insurance policy (US form) is a good option for insuring your filmmaking gear, including your film camera(s).

 

About: Front Row Insurance Brokers Inc. is an independent film insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment of claims.

Related posts:

The best filmmaking schools in Canada

Film school insurance

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Citations:

https://ingeniusprep.com/blog/college-acceptance-rates/

https://www.hollywoodreporter.com/

https://www.imdb.com/

USC image: Royalty-free stock photo ID: 467240276, Shutterstock

RISD image: Royalty-free stock photo ID: 690992356, Shutterstock

Stanford image: Royalty-free stock photo ID: 418900891, Shutterstock

Topics: Short Film Insurance, DigiGear, film school insurance, Best of

Your Small Business is NOT Too Small to be Hacked: Password Security

Posted by Grant Patten on Aug 10, 2020 6:57:53 AM

Your Small Business is NOT Too Small to be Hacked: Password Security Best Practices

Your Small Business is NOT Too Small to be Hacked: Password SecuritySource: Royalty-free stock photo ID: 414663433 | Shutterstock

Don’t think a cyber hack could happen to your small business? Well, think again!

STATISTIC: According to Statistics Canada, 19% of businesses with 10 to 49 employees, and 28% of those with 50 to 249 employees, reported being impacted by a cybersecurity incident that affected operations.

…and for smaller businesses, the fallout from a data breach can be devastating.

Establishing password security guidelines should be one of the first steps that small businesses undertake in developing their cybersecurity strategy. In doing so, companies could immediately benefit from increased protection against more than half of attempted data breaches.

Even technologically advanced companies are susceptible to cyber risks, especially ones that are human-controlled – such as passwords. Just look at the below real-life examples of password breach hacks on small businesses to see how real this threat is:

Australian photography company – MailChimp account hacked (2018)

An Australian photography company’s MailChimp account was hacked in 2018. The hacker imported a spam list and proceeded to email fake invoices from the commandeered account. It is likely that the company’s email account was “protected” by a weak password and did not have two-factor authentication (2FA) enabled.

The hacker sent hundreds of thousands of fake invoices to over 150,000 email addresses around the world, resulting in an unfortunate and embarrassing situation for this photography business.

Hopefully this company had cyber insurance. If they did, they would be able to cover the cost of a forensic investigation to determine how the hack occurred in the first place.

The Couple & their Real Estate Agent – Hacked (2018)

Also in 2018, a Colorado couple were ready to finalize the purchase of their dream home, and at closing time wired $272K from their bank, following instructions they had received in an email from – they thought – their real estate settlement company.

However, the company’s email had been hacked, and fraudsters had altered the wiring instruction to make off with the hefty sum. Again, it is entirely likely that the company’s email account was “protected” by a weak password and did not have 2FA enabled.

The couple eventually reached a confidential settlement in a lawsuit against their real estate agent, bank and settlement company. With cyber liability insurance, the included third-party liability covers you against lawsuits from others due to a cyber attack on your business.

The Case of the Telco Password Breach (2015)

Although a telecommunications company certainly is not a small business, a 2015 data breach that a Canadian telco experienced affected many small businesses. 22,421 usernames & passwords and numerous valid credit card numbers associated with the telco’s small-business customers were stolen in the breach, with the data posted on a hacking forum.

“Small-business owners often believe breaches only happen to bigger firms,” said John Garner, president of IT firm iMedia Technology. “Small-business owners need to realize that cybercriminals are going up and down the supply chain. Once an attacker steals data from a small or midsize business, the information is often bought and sold on hacking forums and used in larger-scale attacks.”

With cyber risk insurance in place, the included theft & fraud coverage would cover destruction or loss of digital data resulting from a criminal cyber event. In addition, the included third-party liability coverage covers you against lawsuits from others due to a cyber attack on your business.

Password Protection & Management Tips 

For any small business, a sound password protection and management program should consist of rules and policies governing how passwords are created, stored and changed in order to ensure that they remain a secure and reliable means of authenticating identity and controlling access. A security risk occurs when companies are not diligent about enforcing the use of sufficiently strong passwords for access to their business systems, increasing their vulnerability to security breaches by potential hackers.

The well-publicized cyber attack on Ashley Madison in 2015 is just one example of the damage that can be caused by weak passwords. More than 11.2 million of the hacked passwords in this incident were common and overly simplistic, such as “123456”, “password”, “DEFAULT”, and “qwerty”. In contrast, roughly 3.7 million Ashley Madison accounts remained secure, likely because they had strong passwords or passphrases with long strings of upper- and lower-case letters, numbers and symbols.

Small businesses should consider implementing a company-wide practice to require a unique, strong password for each user of each system. A common objection to this type of policy is that such strong passwords are difficult to create and remember, and some employees resort to writing such passwords on a Post-It note stuck to their monitor, undermining the very security the password was meant to provide.

There is a better solution, which is to create a unique, memorable passphrase (e.g., “MyPassw0rdIsStrong!” or “ThisIsaStrongPassword”) instead of random letters, symbols and numbers. This type of passphrase tends to be harder to crack than passwords and is much easier to remember.

Standard user accounts should require a password length of at least 8 characters, while administration accounts with more access to the system should require at least 14 characters. Also note that passwords should never be shared among users.

Best practices for password storage:

Password management software can be useful for tracking usernames and passwords to multiple accounts, but one must follow best practices in the use of such software. For example, this software often uses a master password, which must be particularly strong and should be changed on a regular basis. Industry leaders in the password management software space include Dashlane, LastPass, Zoho Vault and RoboForm.

How often should passwords be changed? Common practice holds that standard user accounts expire after 90 days, while administration accounts expire after 60 days.

Best practices for password management:

  • Change default account passwords to your own custom passwords
  • Do not use the same password across multiple accounts
  • Production account passwords must not be used in non-production (testing) environments
  • Password fields must display only masked characters (typically appearing as “●●●”) as the user types in their password, where technically feasible

Companies should also be aware that they do NOT have to rely on passwords as the sole barrier to entry into their computer systems. Many systems, such as Twitter, use 2FA, which adds an extra step to the basic login procedure. Twitter’s 2FA verifies logins by sending an SMS text with a code to the user’s phone, requiring both the code and their password to log in.

Google Authenticator is a free app for iOS (Apple) and Android that can be used with Google accounts and other websites to provide this type of 2FA. Biometrics for 2FA, such as a fingerprint or voiceprint, are also becoming more common. The minor inconvenience of following an extra step in the login process is more than offset by the security advantages of 2FA.

Get Cyber Risk Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Insurance Canada / Password Hack Insurance

By following the above tips above, you will hopefully avoid experiencing a password breach hack. However, if it does happen to your business, having cyber risk insurance in place would benefit you greatly.

Front Row’s cyber liability insurance policy includes coverage for cyber hack incidents related to password breaches, such as third-party (your customers/clients) cyber liability and first-party (you and your business) cyber liability.

Protect your data and your clients' data. Front Row's cyber insurance policy is available online in 5 minutes; premiums start at $300 CAD. Platinum coverage is $800 CAD. (Prices subject to change) Up to $1,000,000 of protection is available.

90% of small businesses in Canada do not have Cyber Insurance: take a few minutes to protect your business that has taken you so long to establish.

Get a free quote 24/7 and buy online now:

Get a Quote Online In 2 Mins.

 

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Citations:

https://phys.org/news/2018-09-hackers-real-estate-devastating-impact.html
https://www.crn.com/news/security/240165900/on-their-radar-bell-canada-breach-hits-small-business-owners.htm https://procounter.com.au/2018/04/11/sydney-photographer-hacked-and-brandjacked/
https://www.rbc.com/cyber-security/resource-centre/today-small-and-medium-sized-businesses-need-outsized-cybersecurity/index.html
https://www.csio.com/article/password-security-tips-brokers

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Related:

EBOOK: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS

ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES

CYBER SECURITY INSURANCE

HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES

IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?

4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY

CYBER CRIME INSURANCE FOR NON-PROFITS

IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE

IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE

IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE

RANSOMWARE INSURANCE

PASSWORD PROTECTION & MANAGEMENT

MANDATORY DATA BREACH LAW

OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE

FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM

TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE

Topics: Cyber Insurance

If You’re Hit with Ransomware, You’ll Want Cyber Insurance

Posted by Grant Patten on Aug 6, 2020 6:42:33 AM

Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance

Ransomware Cyber Insurance Woman UpsetSource: Royalty-free stock photo ID: 659365795 | Shutterstock

Don’t think a ransomware hack could happen to your small business? Well, think again!

STATISTIC: Cybersecurity Ventures estimates that global ransomware damage costs will reach $20 billion USD by 2021, an increase from their estimated damages of $11.5B in 2019 and $8B in 2018.

STATISTIC: Ransomware is expected to attack a business every 11 seconds by the end of 2021.

Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.

Ransoms typically range from $800 to $5,000 (but sometimes much more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.

Just look at the below real-life examples of ransomware attacks on small businesses to see how real this threat is:

Toronto Accounting Firm Ransomware Hack (2020) / who does ransomware target?

An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.

Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.

With cyber insurance, theft and fraud coverage is included to cover destruction or loss of digital data resulting from a criminal cyber event.

Toronto Dental Clinic Ransomware Hack (2019) / who does ransomware target?

Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack:

Ryuk ransomware noteThis note, which CBC printed out, was left on the clinic’s computers. (Submitted by clinic)
Source: cbc.ca

The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.

The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.

With cyber liability insurance, the cost of a forensic investigation may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)

Montreal Insurance Brokerage Ransomware Hack (2016) / who does ransomware target?

An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: “The system cannot access the database.” Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.

“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”

Why ransomware hackers use Bitcoin:

The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.

Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips

So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site data backup solution is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.

But, of course, the best approach is to avoid being infected with ransomware in the first place. Educate employees about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.

Most software products have different authorization levels that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.

And, of course, don’t neglect the basics: make sure your antivirus software is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.

Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance / Hack Insurance

Front Row’s cyber liability insurance policy includes Extortion & Ransomware coverage for costs associated with payments to those who threaten to disclose sensitive information.

Protect your data and your clients' data. Front Row's cyber insurance policy is available online in 5 minutes; premiums start at $300 CAD. Platinum coverage is $800 CAD. (Prices subject to change) Up to $1,000,000 of protection is available.

90% of small businesses in Canada do not have Cyber Insurance: take a few minutes to protect your business that has taken you so long to establish.

Get a free quote 24/7 and buy online now:

Get a Quote Online In 2 Mins.

 

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Citations:

https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/

https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871

https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare

https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Related:

EBOOK: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS

ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES

CYBER SECURITY INSURANCE

HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES

IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?

4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY

CYBER CRIME INSURANCE FOR NON-PROFITS

IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE

IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE

IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE

RANSOMWARE INSURANCE

PASSWORD PROTECTION & MANAGEMENT

MANDATORY DATA BREACH LAW

OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE

FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM

TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE

Topics: Cyber Insurance

US Filmmakers: Navigating Your Certificate of Insurance

Posted by Alyson Forster on Aug 4, 2020 7:12:51 AM

US Filmmakers: Navigating Your Certificate of Insurance

If you’re a Canada-based filmmaker, read this blog post instead.

Congratulations, you successfully purchased your production insurance! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?

things that may go missed on a certificate that can ‘make or break’ you on the day of production:

  1. Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.
  2. If you are working (especially) on a Short-Term Production (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.
  3. Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.

Below is a sample certificate. We will review each section so you can properly understand what you are looking at.

US Certificate of Insurance

Ok, so from the top!

The highlighted section on the left is where your company information is located.

The highlighted section on the right is your insurance company. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.

The non-highlighted section below is your insurance broker’s information.

US Certificate of Insurance

This next part is VERY important, especially when it comes to Film LA. See the box that says “ADDL INSR”? That stands for Additional Insured, and the “Y” stands for yes. Next to that column, there is wording “SUBR WVD” this stands for Waiver of Subrogation.

This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “ADDL INSR” and “SUBR WVD”- your insurance coverage will not be sufficient for Film LA.

The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, reach out to your broker immediately. If you request additional coverage dates after the expiration of coverage, you will be responsible for purchasing a new policy.

The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is not the value to rent the equipment. The amount is to replace the item in the case of a total loss.

The section ‘ded’ that is highlighted stands for your retention or deductible. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.

Example: You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.

Example: You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is less than the deductible, the insurance company will not cover the loss.

US Certificate of Insurance

Note: Remember insurer “A” and insurer “B”? You can now see them on the far right column.

This row on your certificate is where any special wording would be located. If you need a rental house to be named additional insured, this is where the wording would be located.

US Certificate of Insurance

Note: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.

Last section! So, the certificate holder will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.

US Certificate of Insurance

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.

Related:

Canadian Filmmakers: Certificate of Insurance

Getting a film permit in Los Angeles / Film LA

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Short Film Insurance, Film Production, Film Producers, DICE Insurance, Film Production Companies, US Film insurance broker, Certificates

Canadian Filmmakers: Navigating Your Certificate of Insurance

Posted by Alyson Forster on Aug 4, 2020 7:12:08 AM

Canadian Filmmakers: Navigating Your Certificate of Insurance

If you’re a US-based filmmaker, read this blog post instead.

Congratulations, you successfully purchased your production insurance! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?

things that may go missed on a certificate that can ‘make or break’ you on the day of production:

  1. Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.
  2. If you are working (especially) on a Short-Term Production, double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.
  3. Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.

Below is a sample certificate of insurance for Canadian film productions. We will review each section so you can properly understand what you are looking at.

Certificate of Insurance Canada

Ok, so from the top!

The highlighted section below is where your company information is located.

The non-highlighted section below is your insurance broker’s information.

Certificate of Insurance Canada

The next part of the first page will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, reach out to your broker immediately. If you request additional coverage dates after the expiration of coverage, you will be responsible for purchasing a new policy.

Certificate of Insurance Canada

If a permit office, rental house, or specific entity you are working with has requested special wording on a certificate, it will go here. If you do need special wording on your certificate, please make sure you reach out to your broker in advance. Special wording or endorsements such as a “Waiver of Subrogation” may take up to 24-48 hours to process from the carrier.

Certificate of Insurance Canada

The following pages of your certificate of insurance will outline the limits of insurance and retention or deductible. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible, and is located on the far right column.

Example: You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.

Example: You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessory’s replacement value is less than the deductible, the insurance company will not cover the loss.

Certificate of Insurance Canada Schedule AHave more questions on the coverages on the far left column? Contact us.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.

Related:

US Filmmakers: Certificate of Insurance

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Short Film Insurance, Film Insurance, Film Production, Film Producers, DICE Insurance, Film Production Companies, Film Location Insurance, Certificates

Salon Owners: Don’t Let Ransomware Destroy Your Business. Get Insured.

Posted by Grant Patten on Jul 29, 2020 7:49:43 AM

SALON OWNERS: DON’T LET RANSOMWARE DESTROY YOUR BUSINESS. GET INSURED.

Salon Owners: Don’t Let Ransomware Destroy Your BusinessSource: Royalty-free stock photo ID: 635676176, Shutterstock

Don’t think a cyber hack could happen to your hair/nail/tanning salon business? Well, think again!

Cybercriminals often target beauty salons with ransomware specifically because they know that these businesses are not necessarily so tech-savvy, and are often running their operations on outdated computer systems.

Just look at the below real-life examples of beauty salon hacks to see how real this threat is:

2019 hair salon ransomware attack

In 2019, a hair salon was hacked with ransomware. Their database containing personal information on ~8,000 clients was encrypted with the ransomware, as well as their scheduling system.

The salon then had to scramble to inform their clients about the hack. They posted this on their Facebook page:

Salon Facebook page note / cyber insurance CanadaSource: examiner.com.au

Cyber risk insurance would cover the cost of a forensic investigation to assess the impact of the attack. It also includes business interruption coverage to cover lost income and related costs when unable to operate due to a cyber event or data loss.

2016 beauty salon ransomware attack

In 2016, a beauty salon experienced a cyber hack, also in the form of ransomware. Employees arriving to work one day tried switching on their computers but instead of booting up properly, their screens were locked, displaying a ransom note.

Salon ransom note / cyber insurance CanadaSource: itv.com | ITV West Country

Losing their data severely affected their business: the salon did not know who had appointments, nor could it call them because that data was encrypted, too.

The hackers were demanding a ransom of $2,700 to unlock the computers. Desperate, the salon decided to pay the ransom.

Cyber liability insurance includes extortion & ransomware coverage for costs associated with payments to those who threaten to disclose sensitive information. It also includes business interruption coverage to cover lost income and related costs when unable to operate due to a cyber event or data loss.

2015 hair salon ransomware attack

In 2015, another salon was hacked, again with ransomware. The hackers had locked the salon owner out of his own database; he couldn’t access appointment books for his two salons.

The hackers demanded a ransom of $1,500. The owner could not run his business without access to his computer files, so he went ahead and paid the ransom.

The owner was able to convince the IT firm in charge of his salon’s computer systems to pay the ransom. However, if he had cyber insurance in place, he wouldn’t have to hope that another firm would cover him – the cost of a ransomware hack would be covered by the insurance.

WHAT IS CYBER INSURANCE | CYBER LIABILITY INSURANCE | CYBER SECURITY INSURANCE | CYBER RISK INSURANCE | HACK INSURANCE?

Cyber hack insurance for hair/nail/tanning salons is designed to protect against losses associated with data breaches and hacks. After a hack, there are costs you will incur, including (but not limited to):

  • paying to restore or recover the stolen data
  • paying for crisis communications and PR services related to the hack
  • paying to conduct an investigation to determine what happened
  • losing money from business interruption

SO, HOW CAN CYBER HACK INSURANCE HELP SALONS?

Cyber hack insurance can help with expenses associated with managing a hack, such as incident response and data recovery expenses.

If you’re a hair/nail/tanning salon owner or representative, you likely use computers often to facilitate communication with clients. You may also hold accounting and client information on your computer(s) and/or server(s).

Protect your data and your clients' data. Front Row's cyber insurance policy is available online in 5 minutes; premiums start at $300 CAD. Platinum coverage is $800 CAD. (Prices subject to change) Up to $1,000,000 of protection is available.

90% of small businesses in Canada do not have cyber insurance: take a few minutes to protect your hair/nail/tanning salon business that has taken you so long to establish.

Get a free quote 24/7 and buy online now:

Get a Quote Online In 2 Mins.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.


 

Citations:

https://www.itv.com/news/westcountry/2016-06-27/cyber-thieves-demand-ransom-after-hacking-salons-system/

https://www.mirror.co.uk/news/uk-news/hair-salon-boss-forced-pay-6719075

https://www.examiner.com.au/story/6421785/newstead-hair-systems-hacked-bookings-lost/

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Related:

EBOOK: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS

ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES

CYBER SECURITY INSURANCE

HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES

IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?

4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY

CYBER CRIME INSURANCE FOR NON-PROFITS

IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE

IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE

IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE

IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE

IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE

RANSOMWARE INSURANCE

PASSWORD PROTECTION & MANAGEMENT

MANDATORY DATA BREACH LAW

OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE

FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM

TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE

Topics: Cyber Insurance